United Trust Life — Independent agent for Globe Life & American Income Life · 100% virtual, no pressure

Free tools that actually help. No email required.

Most insurance sites bury their calculators behind a form and a sales call. Ours don't. They run right in your browser, they're free, and nothing you enter is ever stored or sent.

✓ Free  ·  ✓ No email  ·  ✓ Nothing saved  ·  ✓ Printable
Planner

Family Protection Roadmap★ Start here

Build your whole plan — income, debts, final expenses, goals — and see the exact gap.

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Calculator

Life Insurance Calculator

How much coverage you actually need, in seconds.

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Calculator

Survivor Income Calculator

How long your family's income lasts — and the gap to close.

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Calculator

Income Protection Calculator

What happens to your household if you couldn't work.

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Calculator

Children's Future Cost

The cost of raising your kids — and how to protect it.

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Calculator

Debt & Final Expense

What your family could be left to pay, and the coverage that clears it.

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Calculator

Funeral Cost Calculator

Real funeral & burial costs and the coverage that fits.

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Calculator

Cost of Waiting

What delaying coverage really costs you.

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Compare

Term vs Whole Life

Side-by-side, plus a quick recommendation.

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Assessment

Do I Need Life Insurance?

A straight answer in 60 seconds — even if it's no.

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Printable

Family Coverage Organizer

A blank PDF to record policies & wishes — fill it out yourself, we never see it.

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Not sure where to start?

Build your whole plan in about two minutes with the Family Protection Roadmap — then get a free, no-obligation quote from a licensed agent if you want one.

Start the roadmap →